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Ts Bank

IDRSSD: 552545
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q3QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #552545 2024-Q3 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.9% of deposits (threshold 30%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.44%.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.62% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↓ -1
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -27

The five pillars

Liquidity

StableQoQ +2
64
Sub-score

Liquidity is stable: brokered 37.9%, loans/deposits 47.1%, cash 2.6% of assets.

Cash / Assets
2.62%
Loans / Deposits
47.07%
Brokered %
37.86%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.9% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.62% of assets (threshold 3%).

Securities

StrongQoQ -1
87
Sub-score

Securities profile is strong: securities 24.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.00%
No watch items at this period.

Capitalization

WatchQoQ +1
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.34%, CET1 10.34%, leverage 7.68%.

Tier 1 RBC
10.34%
CET1
10.34%
Leverage
7.68%
No watch items at this period.

Asset Quality

StableQoQ -7
80
Sub-score

Asset quality is stable: Adjusted NPL 1.44%, Texas Ratio 7.8%, NCO YTD 0.04%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
7.8%
NCO YTD
0.04%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
1.44%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.44%.

Reserves

RiskQoQ -27
40
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 69.8%, true coverage 69.8%.

ALLL / Loans
1.00%
Coverage
69.8%
True Loss Coverage
69.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:51:40 UTC